Broker Black shows a one-pay amount on every leased car because, for the shopper who was about to pay cash, it is often the sharper number. A one-pay (single-pay) lease means you make every payment for the term at signing: one check, no monthly bill. In return, Mercedes-Benz Financial Services lowers the money factor, so the total you pay over 36 months is less than the same lease paid monthly.
On a monthly lease the lender waits three years to collect and carries the risk that you stop paying. On a one-pay lease it has the money on day one. It shares some of that value back as a lower rate. The lower rate applies to the whole rent charge, so the saving is larger on a higher-priced car and a longer term.
The vehicle page on Broker Black runs both structures on the current program and shows the one-pay total, the monthly equivalent, and the difference against paying monthly. It also compares the one-pay against buying the same car for cash: what you tie up, what you get back at the end, and what the three years cost you.
If the car is stolen or totaled in month six, you have prepaid 30 months you will not use. Most captive leases, including those from Mercedes-Benz Financial Services, include GAP-style coverage that clears the difference between the insurance payout and the lease payoff; whether any unused prepaid amount is refunded depends on the contract. Read the early termination and total loss section before signing, and ask the Concierge to point you to it in the dealer's paperwork.
It depends on the car, term, and the program that month. On a $60,000 Mercedes-Benz over 36 months the difference is usually several hundred to a little over a thousand dollars against paying monthly. The vehicle page shows the exact figure for that car at your profile.
Usually not; lenders treat them as alternative ways to lower the rate. Broker Black shows both so you can pick the one that fits.
For a car you would replace in two to three years, often yes: you pay for the depreciation the lender predicts plus a reduced rent charge, instead of absorbing the actual depreciation on a car you own. The Coordinator on Broker Black runs that comparison on any car you name.
The dealer sets the selling price; the lender's program sets the residual and rate. Broker Black applies both and shows the result. Nothing is negotiated.